Personal Savings Accounts

Regular Savings Account

  • Minimum deposit to open is $100.00 or $25.00 for minor accounts.
  • No charge for Online Banking access.
  • No charge for Bill Pay services.
  • No charge for Telephone Banking.
  • Interest accrues from the date of deposit and is paid quarterly on the daily balance.  If account is closed before interest is credited, no interest will be paid.
  • Interest Rate - Contact your local branch for current rates. 
  • Monthly or Quarterly statements.
  • Up to three withdrawals per month. Additional withdrawals $1.00 fee.
  • Monthly fee of $5.00 unless a minimum daily balance of $100.00 or more is maintained.
  • Monthly fee waived for minor accounts.
  • $30.00 service charge on each NSF item.

Christmas Club Account

  • Minimum deposit to open is $5.00.
  • Interest accrues from date of deposit.
  • Check will be mailed middle of November for the balance plus interest earned.
  • Interest Rate - Contact your local branch for current rates. 
  • Early withdrawal will result in account closure and forfeiture of accrued interest.

Insured Money Market Account

  • Minimum deposit to open is $2,500.00.
  • No charge for Online Banking access.
  • No charge for Bill Pay services.
  • No charge for Telephone Banking.
  • Interest accrues from date of deposit, paid on the daily balance, and credited monthly. If account is closed before interest is credited, no interest will be paid.
  • Interest rate - Contact your local branch for current rates. 
    • $2,500  and less than $10,000 is a Variable Rate
    • $10,000 and less than $50,000 is a Variable Rate
    • $50,000 and above is a Variable Rate
  • Up to six preauthorized transfers per month. Additional transactions $2.00 fee.
  • Monthly fee of $12.00 unless a minimum daily balance of $2,500.00 or more is maintained.
  • $30.00 service charge on each NSF item.

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Lost or Stolen Debit Card

  • During business hours
    (205) 884-6200
  • After business hours
    (800) 500-1044